BlastPoint's Banking Scorecard

Constitution Bank, National Association

$100M-$1B Specialty: Commercial IL FDIC cert 16276

Hillsboro, IL

14 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

Constitution Bank, National Association has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 12.26% below tier average
+ Delinquency Rate 0.38% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 29.5% in tier
- Capital Thin: Bottom 40.5% in tier
- Credit Quality Pressure: Bottom 42.7% in tier
- ROA 0.06% below tier average
- Net Interest Margin 0.28% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$678.9M +5.1% YoY +2.9% QoQ	+$292.9M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 13.7% in tier
Total Loans ?	$470.3M +5.0% YoY +1.2% QoQ	+$214.6M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Top 13.8% in tier
Total Deposits ?	$615.8M +3.7% YoY +2.9% QoQ	+$287.8M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 11.6% in tier
Return on Assets ?	1.21% +31.4% YoY +13.1% QoQ	-0.06%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	51%
Net Interest Margin ?	3.65% +14.5% YoY +7.4% QoQ	-0.28%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	38%
Efficiency Ratio ?	53.02% -8.3% YoY -7.0% QoQ	-12.26%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	78%
Delinquency Rate ?	0.51% +130.7% YoY +173.2% QoQ	-0.38%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	45%
Loan-to-Deposit Ratio ?	76.38% +1.2% YoY -1.6% QoQ	-0.26%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	54%
Non-Interest-Bearing Deposit Share ?	14.13% -8.4% YoY +1.5% QoQ	-7.89%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	21%
Nonperforming Asset Ratio ?	0.35% +130.5% YoY +168.7% QoQ	-0.29%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	46%
Tier 1 Capital Ratio ?	10.09% +7.9% YoY +2.8% QoQ	-5.74%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Bottom 10.7% in tier
Non-Interest Income / Assets ?	0.08% -18.0% YoY -78.7% QoQ	-0.20%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	38%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk

#288 of 973 • Bottom 29.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Capital Thin

risk

#271 of 666 • Bottom 40.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.09%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#560 of 1308 • Bottom 42.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.51%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

309

Total Deposits

size

Value: $615.81M

Peer Median: $327.97M

#309 of 2664 Top 11.6% in $100M-$1B

365

Total Assets

size

Value: $678.93M

Peer Median: $386.08M

#365 of 2664 Top 13.7% in $100M-$1B

368

Total Loans

size

Value: $470.34M

Peer Median: $255.72M

#368 of 2664 Top 13.8% in $100M-$1B

580

Efficiency Ratio

profitability

Value: 53.02%

Peer Median: 65.29%

#580 of 2664 Top 21.7% in $100M-$1B

Top Weaknesses (2 metrics)

2379

Tier 1 Capital Ratio

capital

Value: 10.09%

Peer Median: 15.83%

#2379 of 2664 Bottom 10.7% in $100M-$1B

2110

Non-Interest-Bearing Deposit Share

funding

Value: 14.13%

Peer Median: 22.02%

#2110 of 2664 Bottom 20.8% in $100M-$1B